“With severe weather in the forecast, it’s a good time to review your homeowner’s insurance policy, since standard homeowner policies do not cover hurricane and flood damage,” said Ito. “Residents should also familiarize themselves with the type of coverage they have, deductible amounts and claims procedures.”

The Insurance Division also encourages homeowners to prepare for a hurricane by taking an inventory of their belongings. Policyholders can take pictures or use the free MyHome mobile app released by the National Association of Insurance Commissioners (NAIC). This simple step can help save time in the event that a homeowner needs to file a claim, and will improve their chances of fully recovering what their policy covers.

Homeowners with specific questions about their policies should call their agent and/or insurance company issuing their policy.

For more information about homeowner’s insurance and hurricane preparedness tips, contact the Insurance Division at (808) 586-2790, “like” us on Facebook and follow us on Twitter at @InsuranceHI.